********** customer service on the Fnb Appcard services

Fnb customer care is **********. I have spent over 1 hour raising my query and I keep being transferred from one agent to the other with no real help. I keep being charged declined fees on my two virtual accounts yet I have money in my account. They refuse to refund me or give me an explanation as to why this is happening. They’ve been transferring me from one department to the other and I’ve been repeating the same story for over an hour now via the Fnb App. What a ******* service! Why can’t you just refund me my money?